> Routine/preventative/minor care. Probably best dealt with as out-of-pocket costs. This seems like a terrible idea. If someone, for example, notices a new mol

> Routine/preventative/minor care. Probably best dealt with as out-of-pocket costs. This seems like a terrible idea. If someone, for example, notices a new mole, they are much less likely to get it checked out if it is an out-of-pocket expense. Obviously, most of the time it'll be fine, but it could also be skin cancer that was easily treatable but has now metastasised and will be hugely expensive to treat.